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Note 5 - Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2024

Notes Tables

Financing Receivable, Allowance for Credit Loss [Table Text Block]

		December 31, 2024
		Construction and Land Development				Secured by 1-4 Family Residential				Other Real Estate				Commercial and Industrial				Consumer and Other Loans				Total
Allowance for credit losses:
Beginning Balance, December 31, 2023		$	312			$	3,159			$	4,698			$	3,706			$	99			$	11,974
Initial Allowance on PCD Touchstone loans			11				173				201				1				—				386
Charge-offs			(4	)			(38	)			—				(3,699	)			(293	)			(4,034	)
Recoveries			—				22				3				111				148				284
Initial Provision on Non-PCD Touchstone loans			118				1,310				1,370				143				888				3,829
Provision for (recovery of) credit losses			148				(360	)			1,190				3,665				(682	)			3,961
Ending Balance, December 31, 2024		$	585			$	4,266			$	7,462			$	3,927			$	160			$	16,400
Ending Balance:
Individually evaluated			—				—				—				3,079				—				3,079
Collectively evaluated			585				4,266				7,462				848				160				13,321
Loans:
Ending Balance			84,480				547,167				672,162				141,333				21,453				1,466,595
Individually evaluated			50				2,148				—				4,773				—				6,971
Collectively evaluated			84,430				545,019				672,162				136,560				21,453				1,459,624

		December 31, 2023
		Construction and Land Development				Secured by 1-4 Family Residential				Other Real Estate				Commercial and Industrial				Consumer and Other Loans				Total
Allowance for loan losses:
Beginning Balance, December 31, 2022		$	546			$	1,108			$	3,609			$	1,874			$	309			$	7,446
Adjustment to allowance for adoption of ASU 2016-13			(313	)			1,409				1,702				(387	)			(225	)			2,186
Charge-offs			—				(59	)			(34	)			(3,452	)			(448	)			(3,993	)
Recoveries			—				47				14				145				212				418
Provision for loan losses			79				654				(593	)			5,526				251				5,917
Ending Balance, December 31, 2023		$	312			$	3,159			$	4,698			$	3,706			$	99			$	11,974
Ending Balance:
Individually evaluated			—				—				—				2,705				—				2,705
Collectively evaluated			312				3,159				4,698				1,001				99				9,269
Loans:
Ending Balance		$	52,680			$	344,369			$	447,272			$	113,074			$	12,035			$	969,430
Individually evaluated			38				495				—				6,230				—				6,763
Collectively evaluated			52,642				343,874				447,272				106,844				12,035				962,667

Financing Receivable, Nonaccrual [Table Text Block]

		December 31, 2024												December 31, 2023
		Nonaccrual Loans with No Allowance				Nonaccrual loans with an Allowance				Total Nonaccrual Loans				Nonaccrual Loans with No Allowance				Nonaccrual loans with an Allowance				Total Nonaccrual Loans
Real estate loans:
Construction and land development		$	50			$	—			$	50			$	38			$	—			$	38
Secured by 1-4 family residential			2,148				—				2,148				495				—				495
Commercial and industrial			237				4,536				4,773				—				6,230				6,230
Total		$	2,435			$	4,536			$	6,971			$	533			$	6,230			$	6,763

Financing Receivable, Collateral Dependent Loans [Table Text Block]

		December 31, 2024												December 31, 2023
(Dollars in thousands)		Real Estate Secured				Non-Real Estate Secured				Total Collateral-Dependent Loans				Real Estate Secured				Non-Real Estate Secured				Total Collateral-Dependent Loans
Real estate loans:
Construction and land development		$	—			$	—			$	—			$	38			$	—			$	38
Secured by 1-4 family residential			703				—				703				495				—				495
Total		$	703			$	—			$	703			$	533			$	—			$	533

Financing Receivable, Modified [Table Text Block]

	Term Extension
(Dollars in thousands)	Amortized Cost Basis		% of Total Loan Type			Financial Effect
Real estate loans
Construction and land development	$	—		0.00	%
Secured by 1-4 family residential		—		0.00	%
Other real estate loans		—		0.00	%
Commercial and industrial		1,829		1.29	%	Term extension and payment deferral for 6 months
Total	$	1,829		1.29	%

	Principal Forgiveness
(Dollars in thousands)	Amortized Cost Basis		% of Total Loan Type			Financial Effect
Real estate loans
Construction and land development	$	—		0.00	%
Secured by 1-4 family residential		—		0.00	%
Other real estate loans		—		0.00	%
Commercial and industrial		959		0.68	%	Payment deferral for 24 months
Total	$	959		0.68	%

	Interest Rate Reduction
(Dollars in thousands)	Amortized Cost Basis		% of Total Loan Type			Financial Effect
Real estate loans:
Construction and land development	$	—		0.00	%
Secured by 1-4 family residential		462		0.08	%	Interest rate reduced from 7.5% to 4.0%
Other real estate loans		—		0.00	%
Commercial and industrial		217		0.15	%	Weighted average interest rate reduced from 18.17% to 14.62%
Total	$	679		0.23	%

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